Medical Separation

Medical Separation from the ADF.
Lodge before you discharge.

The transition period is where a med sep is won or lost. BAC lodges your DVA claims before your discharge date and lines up the military super side at the same time.

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Who This Is For

Serving members on the way out,
and the ones who can see it coming.

Anyone whose MEC has been downgraded, who has a board coming, or who already has a discharge date. You don't need to be discharged to claim, and since 1 July 2026 every new claim is decided under one Act, the MRCA, whenever you served.

I was medically separated myself, and I've helped hundreds of serving members through theirs. Start before discharge and you walk out set up. Start after it and you spend years catching up.

Watch: Can I Still Make DVA Claims While Serving?

What BAC Does

What BAC does at each stage

MEC downgrade: get everything on the record

A downgraded MEC is the signal, not the board. The most expensive mistake I see is leaving with one condition claimed when you have eight.

  • Full review of your service history and medical file
  • A diagnosis on record for every condition
  • Symptom start dates written down now

Before the board: build the file they'll read

The board decides on what's in front of it. CSC leans on the same file for retrospective invalidity years later.

  • Specialist reports for anything a GP note calls ongoing
  • Every condition in the Defence separation paperwork
  • Your super scheme confirmed: MilitarySuper, ADF Super with ADF Cover, or DFRDB

Transition: lodge, chase, coordinate

You still have Defence medical services and records. BAC uses every week of it.

  • Initial Liability claims lodged before your discharge date
  • DVA requests answered the day they land, so nothing sits on hold
  • CSC invalidity application lined up alongside the DVA claims

Discharge and after: nothing slips

Once liability is accepted, DVA runs a needs assessment, where Permanent Impairment and incapacity payments get raised. You walk in prepared.

  • Defence medical and service records copied before access ends
  • Permanent Impairment raised for anything stable, or requested in writing
  • Super and DVA sorted together, since Commonwealth-funded super reduces incapacity payments dollar for dollar
What You'll Need

Bring what you have. I'll chase the rest.

  • Defence medical records, or whatever you can get now
  • MEC paperwork and anything from the board so far
  • Every condition and roughly when each symptom started
  • Your super scheme and any CSC paperwork
Common Questions

Questions I get on every med sep call

Can I lodge DVA claims while I'm still serving?

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Yes, and you should. Lodging while you're in means easier access to Defence medical records and a head start on your entitlements. DVA Veteran Support Officers are on base for serving members.

Is my DVA claim the same as my military super claim?

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No. DVA and CSC are separate systems with separate paperwork. For MilitarySuper, CSC rates your incapacity for civilian work as Class A, B or C, and DVA percentages are not relevant to that. BAC runs both together.

I already have a discharge date. Is it too late?

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No. A few weeks is enough to get claims lodged and your records copied before Defence access ends. Whatever isn't done by discharge, we chase from outside.

Facing a med sep, or can see one coming? Call me before your discharge date, not after. BAC lodges the DVA claims while you still have Defence records and lines up the CSC side so the two systems work together. The medical separation guide and the checklist have the background, and ComSuper and military super covers the super side. Fixed fee, agreed before we start. What you're owed stays yours.

Your transition is the window.
Don't waste it.

Book a free, no-obligation chat with Kai about what to lock in before your discharge date.

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